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Zopa: Cash ISA reviews

View other Zopa products
4.95
Based on 1,487 reviews, last reviewed 6th Mar 2026
21500% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
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Latest highest rating:

5

Placed my money with Zopa on the recommendation of M... Placed my money with Zopa on the recommendation of Martin Lewis - never looked back Reviewed on: 6th March 2026
LizzieB's avatar
LizzieB

Latest lowest rating:

1

Obstructive to ISA transfer out I have had no fewer than 4 attempts to organise a transfer out and each time Zopa finds a way not to act on the request. The current strategy is Zopa ... Read more Reviewed on: 27th May 2025
Tmr S's avatar
Tmr S
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About this product

The Zopa Smart ISA can be opened with as little as £1.

Customers who already have a Smart Saver Account can apply for a Smart ISA via the Smart Savings Hub. With Zopa, you’ll have one flexible cash ISA, but within that, can spread your allowance across different ISA pots.

Zopa Smart ISA reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Zopa Cash ISA reviews (1487)

Quick and easy setup - great rates - do not delay

5
Quick and easy setup - my money is earning great interest rates straight away. Its a shame the big banks are too lazy to help their existing customers which means the savy customers switch to the banks that do clearly care to offer great rates! Well done Zopa for leading the charge. Reviewed on: 14th January 2024
Dean Y's avatar
Dean Y

Easy to manage, very clear app.

5
Easy to manage, very clear app. Good range of products. Excellent customer service. Reviewed on: 14th January 2024
Robert Coleman's avatar
Robert Coleman

Easy to use app, very quick transfers with their sma...

5
Easy to use app, very quick transfers with their smart payment link to the apps for other accounts. At time of opening my account they had the best interest rate I could find for a cash ISA. Reviewed on: 14th January 2024
Olly's avatar
Olly

Great to use.

5
Great to use. The GUI is very clear. Reviewed on: 13th January 2024
Shih-Che Hsu's avatar
Shih-Che Hsu

Increase interest to get no1 spot

4
ISA 5.08% if interest was higher maybe higher review Reviewed on: 13th January 2024
Richard Elliott 's avatar
Richard Elliott

ISA transfer

5
Swift and easy ISA transfer all through the app and no fussy form filling Reviewed on: 11th January 2024
N Bailey's avatar
N Bailey

Opening accounts-straightforward....being ID'd not so.

4
Opening accounts are very straightforward and quick. Their interest rates are right up there at the top and is the main reason I bank with them. My only gripe is, when I transferred an ISA account I held elsewhere into ZOPA, I didn't know how much of my annual limit I had left. I went onto their CHAT facility, where they proceeded to ask me ID questions. I don't have to do this with my other Banks, which seems appropriate, as I've been technically ID'd by using my log in details to access the app. The questions they asked me were a little ridiculous. They wanted to know when I'd opened my account. Like most people, over time, they are not going to remember this. I Hazarded a guess between certain months of a year and was told I'd failed. Later on after looking up when I had opened the account I discovered I was correct with my answer. So I suppose unless you get it spot on,youve got no chance. Oh well. Rates are good though and the app is quick. Reviewed on: 10th January 2024
Mark Bennett's avatar
Mark Bennett

So easy to deal with and link accounts.

5
So easy to deal with and link accounts. Accessible app and easy to understand. Great interest rates. Reviewed on: 10th January 2024
Helen Clayton's avatar
Helen Clayton

Like the app easy to use and see your money

5
Like the app easy to use and see your money Reviewed on: 10th January 2024
Patricia A's avatar
Patricia A

Excellent and fast service.

5
Excellent and fast service. Simple to use. Reviewed on: 9th January 2024
David's avatar
David

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